{"id":58,"date":"2024-04-16T13:46:30","date_gmt":"2024-04-16T10:46:30","guid":{"rendered":"https:\/\/sisu.ut.ee\/finance\/8-eralaenujuhtimine-test\/"},"modified":"2024-04-16T13:46:30","modified_gmt":"2024-04-16T10:46:30","slug":"8-eralaenujuhtimine-test","status":"publish","type":"page","link":"https:\/\/sisu.ut.ee\/finance\/8-eralaenujuhtimine-test\/","title":{"rendered":"8. Eralaenujuhtimine test"},"content":{"rendered":"<div id=\"watupro_quiz\" class=\"quiz-area single-page-quiz\">\n<p id=\"submittingExam22\" style=\"display:none;text-align:center;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/sisu.ut.ee\/wp-content\/plugins\/watupro\/img\/loading.gif\" width=\"16\" height=\"16\"><\/p>\n\n<div class=\"watupro-exam-description\" id=\"description-quiz-22\"><p><span style=\"font-size: 16px;\"><span style=\"font-family: Arial,Helvetica,sans-serif;\"><span style=\"line-height: normal;\">Proovi lahendada eksamitestiga sarnast <b>enesekontrolli testi<\/b>. <\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size: 14px;\"><span style=\"font-family: Arial,Helvetica,sans-serif;\"><span style=\"line-height: normal;\">Testis on k\u00fcmme k\u00fcsimust kuni 5 valikvastusega. <\/span><\/span><\/span><\/li>\n<li><span style=\"font-size: 14px;\"><span style=\"font-family: Arial,Helvetica,sans-serif;\"><span style=\"line-height: normal;\">Igal k\u00fcsimusel on ainult 1 \u00f5ige vastus.<\/span><\/span><\/span><\/li>\n<li><span style=\"font-size: 14px;\"><span style=\"font-family: Arial,Helvetica,sans-serif;\"><span style=\"line-height: normal;\">\u00d5igesti vastatud k\u00fcsimuse eest saad 1 punkti, valesti vastatud k\u00fcsimuse eest 0 punkti.<\/span><\/span><\/span><\/li>\n<li><span style=\"font-size: 14px;\"><span style=\"font-family: Arial,Helvetica,sans-serif;\"><span style=\"line-height: normal;\">Kui kogud v\u00e4hemalt 7 punkti, siis oled testi edukalt sooritanud. L\u00f5pueksami l\u00e4vend on samuti <b>70%<\/b>. <\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: 16px;\"><span style=\"font-family: Arial,Helvetica,sans-serif;\"><span style=\"line-height: normal;\"><b>Kui saavutad tulemuseks:<\/b><\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size: 14px;\"><span style=\"font-family: Arial,Helvetica,sans-serif;\"><span style=\"line-height: normal;\"><b>kaugelt \u00fcle 70%<\/b>, siis v\u00f5id selle programmi ka vahele j\u00e4tta. V\u00f5imalik, et see on liiga lihtne. <\/span><\/span><\/span><\/li>\n<li><span style=\"font-size: 14px;\"><span style=\"font-family: Arial,Helvetica,sans-serif;\"><span style=\"line-height: normal;\"><b>alla selle<\/b>, siis on, mida juurde \u00f5ppida<b>.<\/b> <b>Tutvu programmiga ja liitu <\/b><\/span><\/span><\/span><a href=\"https:\/\/majandus.ut.ee\/et\/sisu\/eralaenujuhtimine\" target=\"_blank\" rel=\"noopener\" data-url=\"https:\/\/majandus.ut.ee\/et\/eralaenujuhtimine\">SIIT.<\/a><\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<\/div>\n\n<form action=\"\" method=\"post\" class=\"quiz-form\" id=\"quiz-22\" enctype=\"multipart\/form-data\">\n<div class=\"watu-question \" id=\"question-1\" style=\";\"><div id=\"questionWrap-1\" class=\"  watupro-required-211 watupro-question-id-211\">\n\t\t\t<div class=\"question-content\"><div>Leia eraisiku maksimaalne v\u00f5imalik laenumakse, kui:<br>\r\n<ul> \t<li>laenutaotleja netosissetulek on 1800 eurot kuus<\/li> \t<li>igakuine \u00f5ppelaenu makse on\u00a0 49 eurot<\/li> \t<li>igakuise liisingkohustuse suurus on 285 eurot<\/li> \t<li>laenusaaja v\u00f5ib maksta 50% oma sissetulekust laenu- ja liisingkohustuste t\u00e4itmiseks<\/li><\/ul><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_1\" value=\"211\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType211\" class=\"answerTypeCnt1\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-211\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices211\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-211[]\" id=\"answer-id-876\" class=\"answer   answerof-211 \" value=\"876\"><label for=\"answer-id-876\" id=\"answer-label-876\" class=\" answer\"><span><p>900 eurot<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-211[]\" id=\"answer-id-877\" class=\"answer   answerof-211 \" value=\"877\"><label for=\"answer-id-877\" id=\"answer-label-877\" class=\" answer\"><span><p>733 eurot<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-211[]\" id=\"answer-id-878\" class=\"answer   answerof-211 \" value=\"878\"><label for=\"answer-id-878\" id=\"answer-label-878\" class=\" answer\"><span><p>566 eurot\u00a0<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-211[]\" id=\"answer-id-879\" class=\"answer   answerof-211 \" value=\"879\"><label for=\"answer-id-879\" id=\"answer-label-879\" class=\" answer\"><span><p>126 eurot<\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-2\" style=\";\"><div id=\"questionWrap-2\" class=\"  watupro-required-212 watupro-question-id-212\">\n\t\t\t<div class=\"question-content\"><div>Millal j\u00f5ustub h\u00fcpoteek?<\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_2\" value=\"212\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType212\" class=\"answerTypeCnt2\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-212\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices212\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-212[]\" id=\"answer-id-880\" class=\"answer   answerof-212 \" value=\"880\"><label for=\"answer-id-880\" id=\"answer-label-880\" class=\" answer\"><span><p>Kui notar on h\u00fcpoteegilepingu s\u00f5lmimise kinnitanud<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-212[]\" id=\"answer-id-881\" class=\"answer   answerof-212 \" value=\"881\"><label for=\"answer-id-881\" id=\"answer-label-881\" class=\" answer\"><span><p>Kui h\u00fcpoteek on kantud kinnistusraamatusse<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-212[]\" id=\"answer-id-882\" class=\"answer   answerof-212 \" value=\"882\"><label for=\"answer-id-882\" id=\"answer-label-882\" class=\" answer\"><span><p>Kui h\u00fcpoteek on registreeritud Ehitisregistris<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-212[]\" id=\"answer-id-883\" class=\"answer   answerof-212 \" value=\"883\"><label for=\"answer-id-883\" id=\"answer-label-883\" class=\" answer\"><span><p>Mitte \u00fckski eeltoodud vastustest<\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-3\" style=\";\"><div id=\"questionWrap-3\" class=\"  watupro-required-213 watupro-question-id-213\">\n\t\t\t<div class=\"question-content\"><div>Adekvaatsuse arvestamine riskikaalude p\u00f5him\u00f5ttel t\u00e4hendab, et adekvaatsuse arvestamisel l\u00e4htutakse:<br>\r\n<ol> \t<li>maksimaalsest v\u00f5imalikust kahjust.<\/li> \t<li>riskide realiseerumise t\u00f5en\u00e4osusest.<\/li><\/ol><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_3\" value=\"213\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType213\" class=\"answerTypeCnt3\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-213\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices213\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-213[]\" id=\"answer-id-884\" class=\"answer   answerof-213 \" value=\"884\"><label for=\"answer-id-884\" id=\"answer-label-884\" class=\" answer\"><span><p>Ainult esimene v\u00e4ide on \u00f5ige<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-213[]\" id=\"answer-id-885\" class=\"answer   answerof-213 \" value=\"885\"><label for=\"answer-id-885\" id=\"answer-label-885\" class=\" answer\"><span><p>Ainult teine v\u00e4ide on \u00f5ige<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-213[]\" id=\"answer-id-886\" class=\"answer   answerof-213 \" value=\"886\"><label for=\"answer-id-886\" id=\"answer-label-886\" class=\" answer\"><span><p>M\u00f5lemad v\u00e4ited on \u00f5iged<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-213[]\" id=\"answer-id-887\" class=\"answer   answerof-213 \" value=\"887\"><label for=\"answer-id-887\" id=\"answer-label-887\" class=\" answer\"><span><p>M\u00f5lemad v\u00e4ited on valed<\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-4\" style=\";\"><div id=\"questionWrap-4\" class=\"  watupro-required-214 watupro-question-id-214\">\n\t\t\t<div class=\"question-content\"><div>Leia maksimaalne laenusumma, kui:<br>\r\n<ul> \t<li>elamu turuv\u00e4\u00e4rtus on 250 000 eurot (eksperthinnangu alusel)<\/li> \t<li>aktsepteerimisv\u00e4\u00e4rtuse m\u00e4\u00e4r on 80%<\/li><\/ul><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_4\" value=\"214\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType214\" class=\"answerTypeCnt4\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-214\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices214\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-214[]\" id=\"answer-id-888\" class=\"answer   answerof-214 \" value=\"888\"><label for=\"answer-id-888\" id=\"answer-label-888\" class=\" answer\"><span><p>50 000 eurot<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-214[]\" id=\"answer-id-889\" class=\"answer   answerof-214 \" value=\"889\"><label for=\"answer-id-889\" id=\"answer-label-889\" class=\" answer\"><span><p>200 000 eurot<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-214[]\" id=\"answer-id-890\" class=\"answer   answerof-214 \" value=\"890\"><label for=\"answer-id-890\" id=\"answer-label-890\" class=\" answer\"><span><p>312\u00a0500 eurot<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-214[]\" id=\"answer-id-891\" class=\"answer   answerof-214 \" value=\"891\"><label for=\"answer-id-891\" id=\"answer-label-891\" class=\" answer\"><span><p>320\u00a0000 eurot<\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-5\" style=\";\"><div id=\"questionWrap-5\" class=\"  watupro-required-215 watupro-question-id-215\">\n\t\t\t<div class=\"question-content\"><div><ol> \t<li>\u201cEnne laenu v\u00e4ljamaksmist peavad laenu ja tagatisleping olema allkirjastatud ainult kliendi volitatud esindajate poolt\u201d<\/li> \t<li>\u201c Intressipuhkus on periood, mille jooksul pank intresse ei arvesta\u201d<\/li><\/ol><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_5\" value=\"215\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType215\" class=\"answerTypeCnt5\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-215\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices215\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-215[]\" id=\"answer-id-892\" class=\"answer   answerof-215 \" value=\"892\"><label for=\"answer-id-892\" id=\"answer-label-892\" class=\" answer\"><span><p>Ainult esimene v\u00e4ide on t\u00f5ene<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-215[]\" id=\"answer-id-893\" class=\"answer   answerof-215 \" value=\"893\"><label for=\"answer-id-893\" id=\"answer-label-893\" class=\" answer\"><span><p>Ainult teine v\u00e4ide on t\u00f5ene<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-215[]\" id=\"answer-id-894\" class=\"answer   answerof-215 \" value=\"894\"><label for=\"answer-id-894\" id=\"answer-label-894\" class=\" answer\"><span><p>M\u00f5lemad v\u00e4ited on t\u00f5esed<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-215[]\" id=\"answer-id-895\" class=\"answer   answerof-215 \" value=\"895\"><label for=\"answer-id-895\" id=\"answer-label-895\" class=\" answer\"><span><p>Kumbki v\u00e4ide ei ole t\u00f5ene<\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-6\" style=\";\"><div id=\"questionWrap-6\" class=\"  watupro-required-216 watupro-question-id-216\">\n\t\t\t<div class=\"question-content\"><div>Dokumendirisk on risk, et:<\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_6\" value=\"216\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType216\" class=\"answerTypeCnt6\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-216\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices216\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-216[]\" id=\"answer-id-896\" class=\"answer   answerof-216 \" value=\"896\"><label for=\"answer-id-896\" id=\"answer-label-896\" class=\" answer\"><span><p>klient ei kirjuta laenudokumentidele alla<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-216[]\" id=\"answer-id-897\" class=\"answer   answerof-216 \" value=\"897\"><label for=\"answer-id-897\" id=\"answer-label-897\" class=\" answer\"><span><p>pank on hinnanud kliendi poolt esitatud dokumente ebaadekvaatselt<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-216[]\" id=\"answer-id-898\" class=\"answer   answerof-216 \" value=\"898\"><label for=\"answer-id-898\" id=\"answer-label-898\" class=\" answer\"><span><p>pank on teinud vormistatud dokumentides vigu<\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-7\" style=\";\"><div id=\"questionWrap-7\" class=\"  watupro-required-217 watupro-question-id-217\">\n\t\t\t<div class=\"question-content\"><div><ol> \t<li>\u201cLaen on probleemlaen, kui panga ja kliendi koost\u00f6\u00f6 ei ole heal tasemel\u201d<\/li> \t<li>\u201cProbleemlaen on laen, millise p\u00f5hiosa ja\/v\u00f5i intressimaksed kas hilinevad v\u00f5i ei toimu \u00fcldse\u201d<\/li><\/ol><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_7\" value=\"217\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType217\" class=\"answerTypeCnt7\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-217\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices217\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-217[]\" id=\"answer-id-899\" class=\"answer   answerof-217 \" value=\"899\"><label for=\"answer-id-899\" id=\"answer-label-899\" class=\" answer\"><span><p>Ainult esimene v\u00e4ide on t\u00f5ene<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-217[]\" id=\"answer-id-900\" class=\"answer   answerof-217 \" value=\"900\"><label for=\"answer-id-900\" id=\"answer-label-900\" class=\" answer\"><span><p>Ainult teine v\u00e4ide on t\u00f5ene<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-217[]\" id=\"answer-id-901\" class=\"answer   answerof-217 \" value=\"901\"><label for=\"answer-id-901\" id=\"answer-label-901\" class=\" answer\"><span><p>M\u00f5lemad v\u00e4ited on t\u00f5esed<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-217[]\" id=\"answer-id-902\" class=\"answer   answerof-217 \" value=\"902\"><label for=\"answer-id-902\" id=\"answer-label-902\" class=\" answer\"><span><p>Kumbki v\u00e4ide ei ole t\u00f5ene<\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-8\" style=\";\"><div id=\"questionWrap-8\" class=\"  watupro-required-218 watupro-question-id-218\">\n\t\t\t<div class=\"question-content\"><div><em>\u2026<\/em>p\u00f5him\u00f5te tagab, et laenuandja ei ole v\u00f5rreldes \u00fchegi teise laenuandjaga kehvemal positsioonil.<\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_8\" value=\"218\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType218\" class=\"answerTypeCnt8\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-218\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices218\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-218[]\" id=\"answer-id-903\" class=\"answer   answerof-218 \" value=\"903\"><label for=\"answer-id-903\" id=\"answer-label-903\" class=\" answer\"><span><p>Pari passu<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-218[]\" id=\"answer-id-904\" class=\"answer   answerof-218 \" value=\"904\"><label for=\"answer-id-904\" id=\"answer-label-904\" class=\" answer\"><span><p>Negative pledge<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-218[]\" id=\"answer-id-905\" class=\"answer   answerof-218 \" value=\"905\"><label for=\"answer-id-905\" id=\"answer-label-905\" class=\" answer\"><span><p>Common value<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-218[]\" id=\"answer-id-906\" class=\"answer   answerof-218 \" value=\"906\"><label for=\"answer-id-906\" id=\"answer-label-906\" class=\" answer\"><span><p>Markowitzi<\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-9\" style=\";\"><div id=\"questionWrap-9\" class=\"  watupro-required-219 watupro-question-id-219\">\n\t\t\t<div class=\"question-content\"><div>Eluasemelaenude v\u00e4ljastamisel tuleb j\u00e4rgida j\u00e4rgmisi n\u00f5udeid:<\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_9\" value=\"219\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType219\" class=\"answerTypeCnt9\" value=\"checkbox\"><input type=\"hidden\" id=\"watupro-required-question-219\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices219\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"checkbox\" name=\"answer-219[]\" id=\"answer-id-907\" class=\"answer   answerof-219 \" value=\"907\"><label for=\"answer-id-907\" id=\"answer-label-907\" class=\" answer\"><span><p>laenumaksete ja sissetuleku suhtarv v\u00f5ib eluasemelaenu andmise otsuse tegemise hetkel olla k\u00f5ige rohkem 60%<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"checkbox\" name=\"answer-219[]\" id=\"answer-id-908\" class=\"answer   answerof-219 \" value=\"908\"><label for=\"answer-id-908\" id=\"answer-label-908\" class=\" answer\"><span><p>eluasemelaenu tagasimaksmise maksimaalne t\u00e4htaeg v\u00f5ib olla 30 aastat<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"checkbox\" name=\"answer-219[]\" id=\"answer-id-909\" class=\"answer   answerof-219 \" value=\"909\"><label for=\"answer-id-909\" id=\"answer-label-909\" class=\" answer\"><span><p>LTV v\u00f5ib olla laenuotsuse tegemise hetkel kuni 85%<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"checkbox\" name=\"answer-219[]\" id=\"answer-id-954\" class=\"answer   answerof-219 \" value=\"954\"><label for=\"answer-id-954\" id=\"answer-label-954\" class=\" answer\"><span><p>Variandid b ja c<\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-10\" style=\";\"><div id=\"questionWrap-10\" class=\"  watupro-required-220 watupro-question-id-220\">\n\t\t\t<div class=\"question-content\"><div><strong>Eksperthinnang sisaldab j\u00e4rgmisi andmeid:<\/strong><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_10\" value=\"220\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType220\" class=\"answerTypeCnt10\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-220\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices220\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-220[]\" id=\"answer-id-910\" class=\"answer   answerof-220 \" value=\"910\"><label for=\"answer-id-910\" id=\"answer-label-910\" class=\" answer\"><span><p>Turuv\u00e4\u00e4rtus<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-220[]\" id=\"answer-id-911\" class=\"answer   answerof-220 \" value=\"911\"><label for=\"answer-id-911\" id=\"answer-label-911\" class=\" answer\"><span><p>Turuv\u00e4\u00e4rtus ja hindamise eesm\u00e4rk<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-220[]\" id=\"answer-id-912\" class=\"answer   answerof-220 \" value=\"912\"><label for=\"answer-id-912\" id=\"answer-label-912\" class=\" answer\"><span><p>Turuv\u00e4\u00e4rtus, hindamise eesm\u00e4rk ja hinnangu kehtivuse eeldused ning kehtivust piiravad tingimused<\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-220[]\" id=\"answer-id-913\" class=\"answer   answerof-220 \" value=\"913\"><label for=\"answer-id-913\" id=\"answer-label-913\" class=\" answer\"><span><p>Turuv\u00e4\u00e4rtus, hindamise eesm\u00e4rk ja kommunaalmaksete ajalugu<\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div style=\"display:none\" id=\"question-11\">\n\t<div class=\"question-content\">\n\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/sisu.ut.ee\/wp-content\/plugins\/watupro\/img\/loading.gif\" width=\"16\" height=\"16\" alt=\"Loading...\" title=\"Loading...\">\u00a0Loading...\t<\/div>\n<\/div>\n\n<br>\n\t\n\t\t\t<div class=\"watupro_buttons flex \" id=\"watuPROButtons22\">\n\t\t  <div id=\"prev-question\" style=\"display:none;\"><input type=\"button\" value=\"&lt; Previous\" onclick=\"WatuPRO.nextQuestion(event, 'previous');\"><\/div>\t\t  \t\t  \t\t   \n\t\t   \t  \t\t<div><input type=\"button\" name=\"action\" class=\"watupro-submit-button\" onclick=\"WatuPRO.submitResult(event)\" id=\"action-button\" value=\"Vaata tulemust\">\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t<input type=\"hidden\" name=\"quiz_id\" value=\"22\" id=\"watuPROExamID\">\n\t<input type=\"hidden\" name=\"start_time\" id=\"startTime\" value=\"2026-05-11 19:36:53\">\n\t<input 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